Annual or short-term seasonal?
We offer both. The right choice depends on how much of the year you install lights. Here is a simple way to think about it.
Annual policy
Covers you for a full year. This is a common fit if you work in more than one season.
- Permanent lighting installers
- Audio/visual consultants who work year-round
- Crews that do landscape and architectural lighting all year
- Anyone who wants a policy that just stays in place
Short-term seasonal policy
Covers a season or project window. This is a good fit if you only install for part of the year.
- Christmas and holiday light installers
- Crews that ramp up for the winter season only
- Side businesses that run a few busy months
- Anyone who does not want to pay for coverage in the off season
How to choose
Start with a simple question: how many months of the year do you install lights? If the answer is most of the year, an annual policy is usually the cleaner fit. If you only run a busy stretch, like the weeks around the holidays, a short-term seasonal policy can save you money by covering just that window.
It also helps to think about your contracts. Some property managers and commercial clients ask for proof of insurance before you start. If your clients expect year-round coverage, an annual policy may be easier to manage. Not sure which way to go? Pick the one that feels closest on the quote form and someone will help you compare.